Collateral, who has skin in the game, as this is a risk issue it's also something a new lender needs to understand; especially since there are so many foreclosures going on.

I developed tough skin thanks to this experience.  

You execute by paying cash as far as bank concerned and after that bank has no skin in the game.

Seems to reduce burden on them each month and provide me more security because they have skin in the game up until the end.

If you want to propose a deal, AND you are willing to put skin in the game, that shows your intent to honor the deal.

Private lenders or HML might lend if the deal makes sense and you have some skin in the game.  

I also try and keep in mind that I want these people to actually be able to purchase the property (if they want to), and so I try and get them to have at least enough skin in the game at the end that they can use that as a down payment.

I think you need to find a deal with more meat and take extra caution when using OPM.You should also have some kind of skin in the game, even if it is just $5k in your proposed partner scenario.

Facial hair helps too.

This would give me a 20% equity stake after the new mortgage and only have 10% skin in the game.Is this possible or maybe their is a better way to go?